the only specific proposal of which i'm aware of in the policy arena is legislation by senator brown of ohio to require banks to hold no the more than 2% in their wholesale liabilities in relationship to gdp. and that's a number we need to think about that. other people have lots of other numbers. as dodd-frank demonstrates, these issues are imperfect. i think jerry said that. this is tough. we can debate the size and the complexity issues, but we're in a dangerous world. so what to do now. and i think here we need the balanced regulatory framework i mentioned before, a few relatively simple things. the dodd-frank framework, the basel framework, the global regulatory arena is very complicated with a lot of unintended cross-cutting of facts that i think of about as, like, bumper cars. the studies that were discussed that my firm put out were discussed a bit in the earlier panel try to take this on by looking at the array of major financial rules, mapping them out for both their key provisions, intended effects and unintended effects. we don't say all of these unintended or even perver